About the SIP + SWP Calculator
Plan both halves of your money journey on one page: build a corpus with a monthly SIP, then draw a monthly income from it through an SWP. You can set a different expected return for each phase and raise withdrawals every year for inflation.
How to use this calculator
- Enter your monthly SIP, how many years you will invest and the expected return while investing.
- Enter the monthly withdrawal you want afterwards, how many years it should last and the expected return during withdrawals.
- Add a yearly increase to the withdrawal to allow for inflation.
- Check the corpus at the start of the SWP and whether it lasts.
Formula
Phase 1 uses the SIP formula to find the corpus. Phase 2 starts from that corpus and, each month, adds growth and subtracts the withdrawal, raising the withdrawal once a year.
Example
Investing ₹25,000 a month for 20 years at an assumed 12% builds about ₹2.50 crore. Withdrawing ₹60,000 a month, rising 5% a year, at an assumed 8% pays out about ₹3.44 crore over 25 years.
Frequently asked questions
Why use a lower return for the withdrawal phase?
Many people move to lower-risk investments as they start drawing income, which usually means a lower expected return.
Can this be used for retirement planning?
Yes. It is a simple way to see whether your SIP can fund a planned retirement income. The Retirement calculator works the other way round, from expenses to the SIP needed.
These results are estimates for illustration and education only, not investment advice.